Car Accidents with Uninsured/Underinsured Drivers

In the state of California, all drivers are required to carry minimum insurance coverage that includes:

$15,000 for injury/death to one person

$30,000 for injury/death to more than one person

$5,000 for damage to property

Despite this requirement, a number of California drivers choose not to carry insurance.

The Insurance research Council estimates that over 13 percent of drivers nationally fail to carry insurance, although in California that number is closer to 25 percent. Sadly, when one of these drivers causes an accident, seeking full compensation can be very difficult.

Uninsured/Underinsured Motorist Coverage

Motorists in California are required to carry liability insurance, but comprehensive coverage is not mandated. However, without comprehensive coverage, seeking compensation following a car accident can be next to impossible. Attorney Mickey Fine strongly suggests all drivers carry comprehensive insurance to help guard against unfair treatment following accidents with uninsured drivers.

Claims made following car accidents with uninsured or underinsured drivers will be filed with your own insurance company. This does not mean you can expect a smooth process. All insurance companies, even the one you dutifully pay, have a vested interest in minimizing claims to maximize company profits. Without the assistance of an aggressive car accident attorney you may never see even a portion of what you are due.